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Grup Carles Engineering and Sustainability, together with the Osona Business Council, organized a luncheon titled "Sustainable Finance". The event featured Raul Antúnez Retamal, Head of Sustainability and Climate Change Consultancy, and Xavier Carles, General Director of Grup Carles.

Yes, debts are not for life; debts can be canceled, and a fresh start can be made.

The second chance has been in force since 2013 for individual entrepreneurs and since 2015 for any non-entrepreneurial individual. It may not be, from a technical point of view, and in my opinion, the best possible second chance law, but it is a law that allows for the exoneration of debts, and that is what is important. The law must be useful and functional, and for this reason, it must be utilized so that thousands of over-indebted, insolvent individuals can achieve the exoneration of their debts and start again as active members of society.

In recent times, the application of artificial intelligence has been a true revolution in the world of sales. As the Commercial Director of a company like Grup Carles, I have had the opportunity to witness this evolution up close and understand the impact it has had on our sector. I would like to share how artificial intelligence has changed the sales process and how it can improve productivity and commercial results.

Recently, the central government approved the ICO guarantees to facilitate the purchase of primary residences for young people under the age of 35 and families with dependent minors. This guarantee will allow financial institutions to grant mortgages of 100% of the purchase price, when the necessary income limit requirements are met.

In today's bustling work world, where time becomes a scarce resource, the idea of going out for lunch with colleagues might seem like a luxury or even an unnecessary distraction. However, this practice has significant benefits that go beyond merely satisfying hunger.

It is a commission from the Polytechnic University of Catalonia to study how to improve the generation of renewable energies